We have our own licence so we have greater scope to select appropriate investments and platforms for our clients.
Our commitment is to act in the best interests of you, our client, and to act honestly, professionally, fairly and objectively in the provision of financial services.
We are a professional Practice of the Financial Planning Association (FPA) and are fully committed to upholding the Financial Adviser Standards and Ethics Authority (FASEA)’s Code of Ethics.
Financial planning is the process of developing strategies to help you manage your financial affairs so you can achieve your lifestyle and financial objectives. Our financial planning advice is provided to you in a document known as a Statement of Advice (SOA). The SOA is prepared based on all relevant information including your attitude to risk.
We can assist you with the implementation of the most appropriate strategies and review the recommendations and your overall situation on a regular basis.
The services we offer include:
We utilize the research services of 'Lonsec' who undertake ongoing analysis of a range of fund managers products. We also have long standing associations with a number of stock brokers who assist us with recommendations on listed shares.
At Selby Westhorpe Financial Solutions we charge for any such work on a professional, fee for service basis. This means that we charge an hourly rate for our services. The fees we charge can be paid upfront or deducted from any investment made via service fees.
At Selby Westhorpe Financial Solutions our understanding of superannuation and taxation combined with many years of practical experience enables us to assist you to maximize your wealth creation opportunities.
Michelle Westhorpe is the director representative of Selby Westhorpe Financial Solutions and is a Certified Financial Planner.
Our firm offers a personal, friendly client-focused environment combined with excellent skills, knowledge and close client involvement.
Our staff comprises qualified professional staff together with excellent administrative support.
At Selby Westhorpe Financial Solutions we offer a wide choice of superannuation products. We can assist you in making the right choice of product which will be determined by your needs, required investment choices, fee structure and your own day-to-day involvement.
In association with our accounting ‘sister’ company we can also provide you with appropriate and relevant taxation advice pertaining to superannuation.
At Selby Westhorpe Financial Solutions, we can provide you with professional advice regarding savings, investments, budgeting and wealth creation strategies.
We can advise you on the appropriate investment product including managed funds, shares or cash deposits.
We can provide a range of personal insurances including:
At Selby Westhorpe Financial Solutions we can provide you with retirement advice including:
Pre retirement planning/Goal setting
Retirement planning including advising on the most appropriate retirement income stream
With the assistance of our ‘sister’ company Selby Westhorpe & Partners Pty Ltd our planning advice will take into account the relevant taxation laws to ensure your income tax is minimized.
We can ensure that the most appropriate tax strategies are in place prior to incapacity and/or death.
The following can be prepared utilizing the sources of a recommended solicitor.
Power of Attorney
Appropriate tax strategies
Appointment of Executor.
We offer executor services if required under certain circumstances.
Financial Services Guide
The Financial Services Guide (FSG) explains the financial services and advice provided by Selby Westhorpe Financial Solutions Pty Ltd and your advisors, Michelle Westhorpe and Olivera Ivcovici. The FSG provides information on what to expect during the financial advice process including the services we provide, the types of documents you are likely to receive, how we manage privacy, related parties and potential conflicts of interests and how we manage complaints.
Your adviser will work with you to define your financial goals and objectives which are important to you and gather relevant personal information required in order to provide you with appropriate advice. The relevant information will generally be collected within the Client Data Form.
Where your goals relate to investment advice either within superannuation or outside superannuation, your adviser will work with you to define your level of risk tolerance. The risk profile questionnaire may be used to assist in determining your level of risk tolerance.
This article is not a substitute for independent professional advice. We do not warrant the accuracy, completeness or adequacy of the information or material in this article. All information is subject to change without notice. We and each party providing material displayed in this article disclaim liability to all persons or organisations in relation to any action(s) taken on the basis of currency or accuracy of the information or material, or any loss or damage suffered in connection with that information or material. You should make your own enquiries before entering into any transaction on the basis of the information or material in this article. Please ensure you contact us to discuss your particular circumstances and how the information provided applies to your situation.